IDEAL Agency Corporation, a subsidiary of IDEAL Capital Holdings, LLC, can carefully select insurance carriers whose products exceed our standards for quality and value.  IDEAL Agency provides a vast array of commercial insurance products for property, casualty, and professional needs.  Our ability to quickly turn an application into a quote, while being easy to do business with, makes us the best choice for all your commercial insurance needs.  We can also cover your personal property needs with unique products by some of the world's most respected insurance carriers.  Our knowledge of insurance and risk management trends in a competitive market environment is complemented by strong relationships with the major insurance underwriters around the world.  This allows us to quickly identify and assess specific exposure issues, while we customize a solution that attains both your personal and business budget objectives.

As specialist in Commercial Insurance products, IDEAL Agency Corporation recognizes that organizations of all types and sizes face diverse and constantly changing needs.  We are constantly working to keep abreast of new product development and coverage solutions that can improve the protection we offer our clients.  We can tailor the most comprehensive, cost-effective insurance programs to address our client's unique exposures.  Whether you are a large or small business owner in need of General Liability, Professional Liability, Workers’ Compensation Insurance, and or require Homeowners or Dwelling coverage, we are sure to have a policy to fit your needs. 

IDEAL Agency provides insurance products and services to businesses and individuals throughout Texas.  In addition, IDEAL Agency offers insurance services in conjunction with its affiliate companies, or independently to clients and third-party firms who require the most comprehensive insurance coverage.

	Q. What is the difference between Replacement Cost (RC) & Actual Cash Value (ACV) property valuation clauses?
	A. Replacement cost is the cost to replace damaged property with like kind and quality without taking into account depreciation. Actual cash value is calculated by deducting the amount of depreciation from the replacement cost at the time of loss.
	Q. My General Liability policy has both an Each Occurrence Limit and an Aggregate Limit. What does this mean?
	A. The Each Occurrence Limit is the most an insurance company will pay for bodily injury or property damage as a result of any one occurrence. The Aggregate Limit is the policy’s maximum amount that can be paid during the policy term regardless of the number of claims during the policy period.
	Q. My controller makes bank deposits on a daily basis using her own car to drive to the bank. How can I make sure my company is protected if she has a serious accident?
	A. You should have Hired Car/Non-owned Automobile Liability to protect your interest in the event that any employee uses his or her own vehicle or a rented vehicle for any business purpose and suffers an accident for which you could be held responsible.
	Q. I own a consulting firm and send my employees to my clients' offices. How can I be protected in the event I am sued because of alleged discrimination or harassment by my employees?
	A. Most Employment Related Practices Liability insurance policies (EPLI) do not include coverage for claims made by a third party. Most insurers, for an additional premium, offer an endorsement that would enhance the protection for third party related claims.

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